Vehicle Purchase Protection
Buy with confidence knowing you’re protected
Peace of mind comes standard
Vehicle Purchase Protection helps protect you against fraud, vehicle title issues, and undisclosed defects for up to $100,000. The best part? It’s automatically included at no extra cost when you complete your purchase on ebaymotors.com or the eBay Motors mobile app.
Multiple layers of protection
If you don’t receive the vehicle you purchased, or your vehicle doesn’t match what was described in the listing, Vehicle Purchase Protection will help ensure you get reimbursed for the purchase price and deposit paid – up to $100,000.
Explore what you’re protected against below.
Non-delivery of the vehicle
You pay for a vehicle or send a refundable deposit, but never receive your vehicle.
You pay for and receive a vehicle but:
- Do not receive a title from the seller or cannot obtain a title from the appropriate DMV.
- The vehicle has an undisclosed lien against its title.
- The vehicle has a title with one of the following undisclosed brands at the time of the end of listing: Salvage, rebuilt/rebuildable, unrebuildable, reconstructed, scrapped/destroyed, junk, lemon, manufacturer buyback or flood/water damage.
You pay for and receive a vehicle, but:
- The vehicle make, model, or year is different than what was described in the seller’s listing. Please note that this does not apply to inaccuracies regarding the vehicle’s sub-model, trim packages, or special editions.
- The vehicle was determined by a law enforcement agency to have been stolen prior to your purchase.
For vehicles under 10 years old
The vehicle has an odometer discrepancy that exceeds 5,000 miles, compared to the mileage stated in the seller’s listing. (Applies to the Cars & Trucks, and RVs and Campers categories only.)
The vehicle has undisclosed damage to the (a) engine, (b) transmission, and/or (c) body/frame that affects the safety or operability of the vehicle. The cost of repair to each qualifying component must exceed $1,000. This protection is not available for vehicles listed in the Aircraft category. Vehicles that are subject to a recall for this type of damage are not eligible for VPP.
Full Terms & Conditions
How to request reimbursement
Most purchase issues are often a misunderstanding between a buyer and a seller. Which is why we encourage you to first try to resolve the issue by communicating with the seller. However, if you still can’t resolve the issue, submit a reimbursement request within 45 days** of the listing end date. Here’s what you can expect after submitting your request.
A dedicated VPP Administrator will work with you to obtain relevant information and discuss next steps.
You may be required to substantiate your request by providing damage estimates or allowing the VPP Administrator to inspect the vehicle.
Your VPP Administrator will determine whether you have suffered a loss, if the loss was caused by the type(s) of fraud that qualify for reimbursement, and the reimbursement amount.
** There are two situations in which the time for filing a reimbursement request may be extended:
- If you learn that your vehicle is a stolen vehicle, you will have 365 days from the date that the listing ended to file for reimbursement.
- If you receive the vehicle but do not receive the title, or learn that it is subject to an undisclosed lien, you will have 90 days from the date that the listing ended to file for reimbursement.
Frequently asked questions
What is Vehicle Purchase Protection?
Vehicle Purchase Protection is a program offered exclusively by eBay Motors, designed to protect you against fraud, vehicle title issues, and undisclosed defects for up to $100,000.
Does Vehicle Purchase Protection cost anything?
No, Vehicle Purchase Protection is included at no extra charge for all purchases completed online through ebaymotors.com or the eBay Motors mobile app.
How long does the reimbursement determination process take?
Typically, most cases will receive final determination between 30-45 days after a reimbursement request has been submitted. During this time, a dedicated VPP Administrator will determine whether you have suffered a loss, if the loss was caused by the type(s) of fraud that qualify for reimbursement, and what the reimbursement amount will be.
How much will the reimbursement amount be?
In each case, including the examples outlined below, the maximum amount you may receive is limited to the purchase price, not exceeding $100,000.
If you pay for the vehicle, but don't receive it, you will receive the purchase price amount paid, up to $100,000.
If you pay for the vehicle but discover an undisclosed lien against the title after taking possession, you will receive the lesser of: (i) the purchase price paid and (ii) the amount necessary to clear the undisclosed lien, up to $100,000.
If you pay a refundable deposit, but do not complete the purchase and the seller does not refund your deposit, you will receive your deposit paid, up to $100,000.
If you suffer a loss from undisclosed damage to a qualifying component of a vehicle you purchased, you will receive the cost of repairs determined by the lower of all replacement/repair estimates from two approved services facilities.
If you suffer a loss based on a year, make, model or odometer misrepresentation (above 5,000 miles, in vehicles less than 10 years old), the devaluation amount of the vehicle will be determined by the difference between the purchase price and the NADA clean retail value (see nadaguides.com).
In cases of extensive devaluation, or where part replacement costs are a significant percentage of the purchase price, the VPP Administrator may exercise their option to reimburse the purchase price (not exceeding $100,000), and take possession of the vehicle. If you refuse this offer, then the VPP Administrator may offer you a cash settlement of a discounted percentage of the purchase price.
Incidental fees or expenses that the buyer and seller negotiate outside of eBay are not covered by VPP.
Are shipping fees reimbursed?
If you qualify for a reimbursement and the VPP Administrator takes possession of the vehicle, or the vehicle is returned to the seller with the consent of the VPP Administrator, you will be reimbursed for original shipping fees up to $800, provided that you originally used a licensed shipper to transport the vehicle.
Can I still receive other reimbursements in addition to Vehicle Purchase Protection?
Vehicle Purchase Protection reimbursements are secondary to any other avenue of recovery. As such, any recoveries reimbursed or credited to you by any third party will be deducted from the VPP reimbursement amount.
For example: If the seller pays and/or offers you a settlement equal to, or better than, the amount you are eligible to receive under VPP, you will not be able to receive any payments under VPP.